Let’s Talk EMV

EMV technology was designed to increase payment security for consumers and merchants. As of October 1, 2015, your business could be liable for chargebacks resulting from acceptance of counterfeit cards. Generally, liability for these chargebacks will shift to the party using the least secure technology. If you do not have an EMV-ready terminal installed and working, that could be you.

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EMV Liability Shift: What Will You Do With Your Old Terminal?

The liability shift on October 1 has some merchants ditching their old credit card terminals to avoid costly counterfeit chargebacks.

What will you do with your old terminal?

Is your terminal EMV-ready? Use this tool to check if your terminal is EMV-compatible.


EMV Resources

Blog Articles


The 1-2-3 of EMV

It’s hard for business owners to understand what to do with so much conflicting information about the liability shift. Follow these steps to become EMV-ready.

Let’s Talk EMV—Key Questions to Ask

Since every business is different, you must consider these factors before making the jump to EMV.

EMV Forces Hackers Online

With EMV locking hackers out of counterfeiting through card-present transactions, they shift their focus to a less secure channel… online purchases.

Infographics


Simple Guide to the EMV Liability Shift

Learn the who, what and why of the October 2015 shift.

10 Facts You Need to Know About Data Security

Top 10 global risk – U.S. small businesses are the prime target for data breaches and cyber security. Here is what you need to know to protect your business and customer data from cybercriminals.

Hard Facts: Data Breaches

Companies need to be prepared to respond to a breach. In 2014 hackers stole more than 500 million financial records worldwide. Here are the hard facts.

White Papers


EMV and Small Merchants

Potential benefits of implementing an EMV solution and high-level information guiding you to a successful EMV implementation for small merchants.

EMV and Restaurants

Potential benefits of implementing an EMV solution and high-level information guiding you to a successful EMV implementation for restaurants.

EMV, Petro and Convenience

Potential benefits of implementing an EMV solution and high-level information guiding you to a successful EMV implementation for petro and convenience.

Learn more about EMV Contact Support


While EMV greatly reduces credit card fraud, it isn’t enough to protect you from a data breach.

Heartland Secure™ is the most secure card processing solution in the industry, backed by a comprehensive warranty. By combining Europay MasterCard Visa (EMV), end-to-end encryption and tokenization – we protect your customer’s credit card data as soon as the card is used, making all card data completely useless to hackers.

  • EMV chip technology authenticates that a customer’s card is genuine
  • Heartland’s end-to-end encryption technology encrypts card data as it is entered so no one else can read it
  • The encrypted data is verified by the Heartland Secure network, which replaces the data with a “token”—something of no value and unusable by outsiders
  • Then the transaction is approved without ever transmitting any card data!